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Chapter 7 BankruptcyChapter 13 Bankruptcy

Credit Cards After Bankruptcy?

The article below was posted on the Bankruptcy News website on May 31, 2011: Are Second Chance Credit Cards A Good Option For Rebuilding Credit? If you have just recently filed for bankruptcy, you may wonder if your credit will ever be the same again, or what you can do to rebuild your credit to its former glory. The solution to your predicament in either case is to apply for what is known as a second chance credit card, or unsecured credit card. These cards allow you to get a credit card without any money down and will help you build up your credit score as long as you pay the balance off in full and on time each month. These advantages to your credit rating and finances are not generally available with prepaid debit cards, banking debit cards, or secured credit cards, meaning cards where collateral is required to secure the line of credit. However, these second chance credit cards do have disadvantages. A couple of these disadvantages include an annual fee. Where regular credit cards may not charge an annual fee, to hold an unsecured second chance credit card, you will likely pay a fee annually to be a cardholder. The interest rates on these cards are generally also much higher, but coming from a bankruptcy filing, you may not have another choice when it comes to rebuilding your credit with credit cards. You will want to avoid missing monthly payment deadlines, so you can avoid being hit with difficult finance charges. At the Maryland Bankruptcy Center bankruptcy lawyers file Chapter 7 and Chapter 13 cases for people all over the state of Maryland.   We represent client's in Baltimore, Glen Burnie, Pasadena, Towson, Essex, Dundalk, Silver Spring, Laurel, Columbia, Ellicott City, Elkridge, Severna Park, Annapolis, Severn, Hanover, Linthicum, Catonsville, Woodlawn, Randallstown, Pikesville, Arbutus, Baltimore and many other locations in Maryland.  We pride ourselves in IMMEDIATE CUSTOMER SERVICE.   Call or e-mail today and you will have all of your questions answered for free, and you will a step in the right direction to eliminate all of your credit card bills, hospital bills, judgments garnishments, repossessions and to save your house from foreclosure.  Call (410) 766-4044 or (301) 587-8900, or e-mail me directly us directly at or  Our answers to your Maryland Bankruptcy questions are standing by!

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